This privacy policy ("Policy") governs the relationship between Sunbit, Inc. and its corporate family ("Sunbit", "us", "we", or "our") and users ("you" and "your") of Sunbit's mobile applications and online products and services. Sunbit respects the privacy of our users, and Sunbit is committed to protecting personally identifiable information ("PII"). This Policy describes how we collect, use, and share your PII through Sunbit's mobile applications and online products and services (collectively, "Mobile and Online Services").


Please read this Policy carefully. By accessing or using any of the Mobile and Online Services, you agree to be bound by this Policy. If you do not agree to be bound by this Policy, please do not access or use the Mobile and Online Services.


You are responsible for reviewing this Policy regularly. We may modify the Policy from time to time, at our sole discretion. If we decide to make material changes to this Policy, we will notify you by posting those changes to Sunbit's website or mobile applications. Unless otherwise stated, any modifications to this Policy will go into immediate effect after they have been posted. Your continued use of the Mobile and Online Services after we post any changes constitutes your consent to the updated Policy.


Contents
Eligibility
Personal Information that We Collect
How We Use Personal Information
When We Disclose Personal Information
[Third-Party Websites]
Children’s Online Privacy Protection
Updates to Your Personal Information
California Privacy Rights
External Storage
Security
Do Not Track
Contact Us


Eligibility
The Mobile and Online Services are controlled, operated, and administered by Sunbit from its offices within the United States. If you are accessing the Mobile and Online Services from a location outside the United States, you understand and consent to the collection, storage, processing, and transfer of your information to our facilities in the United States and to those third parties with whom we share it as described in this Policy.


Personal Information that We Collect
Through your use of our Mobile and Online Services we may collect the following types of information, all such information individually and collectively PII:


Information Provided by You
Sunbit collects PII from you when you use our Mobile and Online Services. This includes your name; address; telephone number; electronic mail address; signature; driver’s license or state identification number; age and Social Security number in some instances; financial and payment information including, without limitation, bank account numbers, debit card numbers, account details, ACH information, income, and similar data; purchase information; any other application information necessary to provide you with the requested financing; and any data collected through your use of your device's camera in connection with the Mobile and Online Services.


If you open an account with Sunbit, we will also collect PII from you when you use our Mobile and Online Services to access your account and engage in activities such as making payments. This may include your bank account information and transaction history.


We also collect any information you provide us when communicating with Sunbit, including but not limited to your emails, phone calls (including recordings of such calls), text messages, and physical letters and the contents thereof. This may include but is not limited to questions, comments, suggestions, or survey responses.


Information Provided by Third Parties
We may collect information from third parties, such as consumer reporting agencies, service providers, or other providers. For example, merchants may provide us with personal information from an invoice or receipt showing products or services that you have purchased, obtained, or considered, so that we can process a chargeback.


Device and Usage Information
The Mobile and Online Services may automatically collect technical information through your use of the Mobile and Online Services, such as which of the pages you access, the frequency of access, and what you click on while using the Mobile and Online Services. Certain features and functionalities of the Mobile and Online Services are based on your location. In order to provide these features and functionalities while you are using your mobile device, we may, with your consent, automatically collect geolocational information from your mobile device or wireless carrier and/or certain third­party service providers (collectively, "Geolocational Information"). Collection of such Geolocational Information occurs whenever the Mobile and Online Services are present on your device. You may decline to allow us to collect such Geolocational Information, in which case we will not be able to provide certain features or functionalities to you. We may collect information from providers of Geolocation Information services, such as Google.


We may also automatically collect information about your device as you use our Mobile and Online Services, including but not limited to hardware model, external storage devices connected to your device, operating system, application version number, browser, and IP addresses. We may also collect mobile network information from mobile devices including telephone number, the unique device identifier assigned to that device, mobile carrier, operating system, and other device attributes.


Cookies and Other Tracking Technologies
A cookie is a small text file that is stored on a user's device for record­keeping purposes. We may use session cookies to make it easier for you to navigate the Mobile and Online Services. We may also use persistent cookies that remain on your hard drive for an extended period of time and may store a password or track and target the interests of users navigating the Mobile and Online Services. If you reject cookies, you may still use the Mobile and Online Services, but your ability to use some areas of the Mobile and Online Services may be limited.


We may also use other mobile tracking technologies to identify you and keep track of your preferences, prevent fraudulent activity and improve the security of the Mobile and Online Services, assess the performance of the Mobile and Online Services, and deliver content to you based on your interests.


How We Use Personal Information
We may use your PII to communicate with you, or allow a partner bank to communicate with you, such as sending account updates, or other communications regarding your account, other products and services that we think may be of interest to you, or to inform you of any changes to our Mobile and Online Services. We, or a partner bank, may also use your PII to provide you with customer support or other services that you request. For example, we, or a partner bank, may need your information in order to evaluate your application for a Mobile and Online Service, process your transactions or payments, provide technical support, or answer questions about our Mobile and Online Services, or to send you information about our products, services, or new offerings. We, or a partner bank, may also use it to conduct collections activities if necessary. We may also use your PII to provide you with location based services. We may also use your PII for purposes including but not limited to information verification and providing Geolocational Information services.


To provide our customers with the best possible service, we may analyze how our users interact with our Mobile and Online Services in order to maintain and improve our Mobile and Online Services. This includes our use of Google Analytics. For more information on how Google Analytics collects and processes data and how you can control such online activities, please visit "How Google uses data when you use our partners' sites or apps" at https://tools.google.com/dlpage/gaoptout, https://support.google.com/ads/answer/2662922?hl=en-GB, and www.google.com/policies/privacy/partners/. Third-party vendors may collect personally identifiable information about your online activities over time and across different websites when you use the website. We also use information that we collect to diagnose any problems with our Mobile and Online Services and to investigate, prevent, or detect fraud or other illegal activities.


We may use your PII to automatically enter PII into certain fields or forms provided as part of the Mobile and Online Services in order to increase the ease of use of any product or service we offer including the Mobile and Online Services.


We may also use your PII to enable the Mobile and Online Services to use your device(s)' near field communication (NFC) services including but not limited to Apple Pay and Android Pay and other similar mobile device payment methods.


We also may use PII for any other legitimate business purpose, including but not limited, for:


  • Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
  • Debugging to identify and repair errors that impair existing intended functionality.
  • Short-term, transient use, provided the personal information that is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer's experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
  • Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider.
  • Undertaking internal research for technological development and demonstration.
  • Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business.
  • Any commercial purposes, including any purpose to advance a person's commercial or economic interests, such as by inducing another person to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or services, or enabling or effecting, directly or indirectly, a commercial transaction.

We may also use your PII for any purpose for which you provide us with specific consent.


Sweepstakes, Surveys, Promotions, and Other Contests
We use your PII to administer surveys, sweepstakes, promotions, and other contests from time to time.


When We Disclose Personal Information
We reserve the right to share information, including PII, with third parties, including but not limited to a partner bank. These disclosures may include disclosures to service providers or a partner bank with whom we may share information to help us provide our Mobile and Online Services, verify your identity, determine your physical location, or process your transactions; to consumer reporting agencies; in connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation; as necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person; or as otherwise required by law, such as in response to court orders or legal process, to exercise our legal rights, to defend against legal claims or demands, or to comply with the requirements of any mandatory applicable law. We may also disclose PII to conduct any other legitimate business activities.


We may also disclose information to members of our corporate family, such as affiliates, subsidiaries, joint partnerships, etc.


We may also disclose information to third parties subject to your consent. We may request your permission to share your PII for a specific purpose. In these instances, we will notify you and request your permission before you provide the PII or before we share the PII that you have already provided to us for such purpose.


We do not sell PII, and we will not sell PII except as described in this Privacy Policy or if we provide you with notice and a right to opt-out of such sale.


Credit Bureaus
We may share information about you and your account to credit bureaus. This may include both on­time and late payment, missed payment, or other defaults on your account, and this information may be reflected on your credit report.


Third-Party Websites
The Mobile and Online Services may contain links to third-party websites. Sunbit has no control over, and assumes no responsibility for any of the content, privacy policies or practices of any third-party websites. By including a link to a third-party website, Sunbit does not endorse or recommend any products or services offered or information contained at the third-party website, nor is Sunbit liable for any failure of products or services offered or advertised at those websites. Such third party may have a privacy policy different from that of Sunbit and the third-party website may provide less security protection than our website. If you decide to visit a third-party website via a link contained on the Mobile and Online Services, you do so at your risk.


Children’s Online Privacy Protection
The Mobile and Online Services are not available to persons who have not reached the age of majority in their state of residence. We do not knowingly collect PII from children under the age of 13 years. If we become aware that a child under 13 has provided us with PII, we take immediate steps to delete such PII.


We do not sell the personal information of California consumers if we have actual knowledge that the consumer is less than 16 years of age, unless the consumer, in the case of consumers between 13 and 16 years of age, or the consumer’s parent or guardian, in the case of consumers who are less than 13 years of age, has affirmatively authorized the sale of the consumer’s personal information.


Updates to Your Personal Information
If your PII changes, you may correct or update your PII by contacting us at Sunbit, Inc., 10880 Wilshire Blvd., Suite 870, Los Angeles, CA 90024.


California Privacy Rights
Subject to certain limitations, under the California Consumer Privacy Act, California residents have the right to:


  • Request that a business delete any personal information about the consumer which the business has collected from the consumer.
  • Request that a business that collects personal information about the consumer disclose to the consumer, free of charge, the following:
    • The categories of personal information that it has collected about that consumer.
    • The categories of sources from which the personal information is collected.
    • The business or commercial purpose for collecting or selling personal information.
    • The categories of third parties with whom the business shares personal information.
    • The specific pieces of personal information it has collected about that consumer.
  • Request that a business that sells the consumer’s personal information, or that discloses it for a business purpose disclose, free of charge, to the consumer:
    • The categories of personal information that the business collected about the consumer.
    • The categories of personal information that the business sold about the consumer and the categories of third parties to whom the personal was sold, by category or categories of personal information for each third party to whom the personal information was sold.
    • The categories of personal information that the business disclosed about the consumer for a business purpose.
  • Direct a business that sells personal information about the consumer to third parties not to sell the consumer’s personal information.

To exercise rights as described in this section, please submit a request to us by either calling us at 855.678.6248 or emailing us at support@sunbit.com. Only you, a person registered with the California Secretary of State that you authorize to act on your behalf, or a person you designate to us as an authorized agent may make a request related to your personal information.


If we have reason to suspect someone alleging to act on your behalf, we may request that you designate an authorized agent by sending us a signed writing granting permission to the agent to make such requests on your behalf to Sunbit, Inc., 10880 Wilshire Blvd., Ste. 870, Los Angeles, CA 90024.


In order for us to be able to respond to your request or provide you with personal information, we must be able to verify your identity or your authority to make the request and confirm that the personal information relates to you or to the person who has designated you as an authorized agent.


Sunbit will not discriminate against a consumer because the consumer exercises any of the consumer’s rights as described in this section. You are also not required to open an account with us to make a request.


External Storage
We may store and exchange information with external storage devices connected to your device (including mobile devices). We may install some of the Mobile and Online Services, and/or any information used by the Mobile and Online Services, on an external storage device (including but not limited to an SD card on supported devices). We will not collect or use any information on any external storage device that was not directly installed on the external storage device by Sunbit.


Security
The security of your PII is important to us. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your PII. However, no method of transmission over the Internet or electronic storage technology is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your PII, we cannot guarantee its absolute security.

To protect the security of your information, we may require you to authenticate your identity to conduct certain transactions using the Mobile and Online Services. If you believe that information that you have submitted through the Mobile and Online Services has been used without your permission, write to us immediately at Sunbit, Inc., 10880 Wilshire Blvd., Ste. 870, Los Angeles, CA 90024 to report unauthorized access. If you fail to notify us, you may be liable for all unauthorized activity on your account.


Do Not Track
The Mobile and Online Services do not respond to "Do Not Track" signals sent by Internet browsers.


Contact Us
Any questions, complaints, or claims regarding the Mobile and Online Services or our privacy policies and practices should be directed to:

Sunbit, Inc.
10880 Wilshire Blvd., Ste. 870
Los Angeles CA, 90024


Thank you for using the Mobile and Online Services!